Compare Niles, MI Car Insurance Rates (2021)

Car insurance in Niles, MI averages $732 a month. Niles, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Niles car insurance rates, compare quotes from the top car insurance companies in Niles, MI.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Niles, MI are $8,787/year
  • The cheapest car insurance company in Niles is USAA
  • Average car insurance rates in Niles, MI after a DUI are $14,700/year

If you need to buy Niles, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Niles, MI is right here.

You’ll find Niles car insurance rates, the cheapest Niles, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Niles, Michigan car insurance rates to Sterling Heights car insurance rates, Flint car insurance rates, and Lansing car insurance rates.

Ready to find affordable Niles, MI car insurance today? Enter your ZIP code for fast, free Niles car insurance quotes.

Cheapest Niles, MI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Niles, MI car insurance rates? Every Niles, Michigan car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Niles, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $14,495 $14,495 $13,463 $13,463 $35,811 $35,811 $15,269 $15,269
Farmers $4,025 $4,025 $3,760 $3,760 $8,979 $8,979 $4,518 $4,518
GEICO $3,799 $3,799 $3,891 $3,891 $10,701 $10,701 $3,628 $3,628
Liberty Mutual $12,179 $12,179 $12,062 $12,062 $28,240 $28,240 $12,179 $12,179
Nationwide $3,627 $3,627 $3,244 $3,244 $9,368 $9,368 $3,968 $3,968
Progressive $2,686 $2,503 $2,387 $2,640 $9,990 $10,704 $3,121 $2,906
State Farm $7,401 $7,401 $6,919 $6,919 $26,403 $26,403 $8,690 $8,690
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,697 $2,534 $2,542 $2,386 $6,574 $6,189 $3,268 $3,105

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Minimum Car Insurance in Niles, MI

Every driver must carry the minimum car insurance in Niles, MI. Take a look at the Michigan car insurance requirements.

Minimum Required Car Insurance Coverage in Niles, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Niles, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Niles, MI. Compare credit history car insurance rates in Niles from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Niles, Michigan

Insurance Company Poor Fair Good
Allstate $29,986 $16,601 $12,692
Farmers $7,037 $4,643 $4,283
GEICO $7,075 $5,204 $4,235
Liberty Mutual $25,550 $14,772 $8,173
Nationwide $6,307 $4,775 $4,073
Progressive $5,298 $4,488 $4,065
State Farm $20,050 $10,134 $6,876
Travelers $6,813 $6,608 $6,525
USAA $5,474 $3,134 $2,378

Cheapest Niles, MI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Niles, MI to rates for a clean record with top companies.

Annual Niles, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,666 $12,916 $42,972 $13,486
Farmers $4,478 $5,697 $5,628 $5,480
GEICO $1,927 $4,104 $12,415 $3,571
Liberty Mutual $11,060 $13,540 $25,747 $14,313
Nationwide $4,333 $5,766 $5,239 $4,868
Progressive $3,928 $5,135 $4,624 $4,781
State Farm $7,770 $9,364 $20,524 $11,756
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,943 $3,681 $4,816 $3,207

Cheapest Niles, MI Car Insurance for Teen Drivers

Teen car insurance in Niles, MI can be expensive. Take a look at rates from the top car insurance companies in Niles for teenagers.

Annual Car Insurance Rates for Teen Drivers in Niles, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $35,811 $35,811
Farmers $8,979 $8,979
GEICO $10,701 $10,701
Liberty Mutual $28,240 $28,240
Nationwide $9,368 $9,368
Progressive $9,990 $10,704
State Farm $26,403 $26,403
Travelers $13,395 $13,395
USAA $6,574 $6,189

Cheapest Niles, MI Car Insurance for Seniors

Take a look at Niles, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Niles, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,463 $13,463
Farmers $3,760 $3,760
GEICO $3,891 $3,891
Liberty Mutual $12,062 $12,062
Nationwide $3,244 $3,244
Progressive $2,387 $2,640
State Farm $6,919 $6,919
Travelers $3,858 $3,858
USAA $2,542 $2,386

Cheapest Niles, MI Car Insurance Rates After a DUI

A DUI in Niles, MI increases car insurance rates. Compare Niles, Michigan DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Niles, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $42,972
Farmers $5,628
GEICO $12,415
Liberty Mutual $25,747
Nationwide $5,239
Progressive $4,624
State Farm $20,524
Travelers $10,331
USAA $4,816

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Cheapest Niles, MI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Niles, MI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Niles, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,760 $19,760
Farmers $5,321 $5,321
GEICO $5,380 $5,629
Liberty Mutual $15,619 $16,711
Nationwide $5,052 $5,052
Progressive $4,617 $4,617
State Farm $12,005 $12,701
Travelers $6,611 $6,686
USAA $3,620 $3,704

The Best Cheap Car Insurance Companies in Niles, MI

Take a look at a side-by-side comparison of the top car insurance companies in Niles, MI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Niles, Michigan

Insurance Company Average Annual Rates
Allstate $19,760
Farmers $5,321
GEICO $5,505
Liberty Mutual $16,165
Nationwide $5,052
Progressive $4,617
State Farm $12,353
Travelers $6,649
USAA $3,662

Category Winners: Cheapest Car Insurance in Niles, Michigan

Find the cheapest car insurance companies in Niles, MI for each category right here.

Best Annual Car Insurance Rates by Company in Niles, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Cheapest Niles, MI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Niles car insurance rates. Find the cheapest Niles, MI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Niles, Michigan

Insurance Company Low Medium High
Allstate $19,255 $19,804 $20,220
Farmers $5,170 $5,308 $5,485
GEICO $5,098 $5,452 $5,964
Liberty Mutual $15,685 $16,118 $16,693
Nationwide $5,210 $4,987 $4,957
Progressive $4,433 $4,626 $4,792
State Farm $11,650 $12,440 $12,970
Travelers $6,575 $6,656 $6,715
USAA $3,541 $3,673 $3,772

What affects car insurance rates in Niles, Michigan?

What factors can have an impact on Niles, MI car insurance? There are several reasons why Niles car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Niles, Michigan.

Car Theft in Niles

High levels of vehicle theft can make car insurance more expensive. Niles, MI car theft statistics from the FBI indicate 28 vehicle thefts a year.

Commute Time in Niles

The more time you spend in your car the higher the risk of an accident. The average commute length in Niles, MI is 21.0 minutes according to City-Data.

Compare Car Insurance Quotes in Niles, MI

Ready to find affordable Niles, Michigan car insurance today? Enter your ZIP code for fast, free Niles, MI car insurance quotes.

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